- HANY RIZK - Mortgage Broker
- +1 (416) 520-1232
- info@mortgagebyhany.com
Financing Your Future With Confidence
Calculate Your Mortgage
40+ Lending Partners
We have access to an extensive network of lenders to find the best rates and terms for your unique situation.
Personalized Mortgage Solutions
We don’t believe in one-size-fits-all. Every strategy is custom-built to support your specific financial goals.
Fast & Simple Process
We streamline the complexities of mortgage applications, making your journey from application to approval quick and stress-free.
5-Star Client Experience
Your peace of mind is our priority. We are committed to providing transparent, dedicated service that earns your trust.
Tailored Mortgage Solutions
Home Purchase
Expert guidance for first-time buyers, experienced homeowners, and investment property financing.
Mortgage Refinance
Access home equity, lower payments, or consolidate debt with smarter refinancing solutions.
Alternative Mortgages
Flexible financing options designed for unique income situations and credit challenges.
Self-Employed Mortgages
Customized mortgage solutions for entrepreneurs, freelancers, and self-employed professionals across Canada.
Financing Your Future With Confidence
Hany Rizk has established a strong reputation as a dedicated advocate, strategic negotiator, and trusted advisor for his clients. As a professional Mortgage Broker, Hany is the driving force behind his firm, committed to delivering intelligent financing strategies that help Canadians turn their homeownership and real estate investment dreams into reality.
When you work with us, you get the best of both worlds:
Hany Rizk’s dedicated personal focus: 3 years of hands-on, high-touch experience tailored specifically to your individual mortgage needs.
A decade of proven industry expertise: Backed by 10 years of brokerage experience, ensuring your file is handled with deep, time-tested market knowledge.
Hany understands that securing a mortgage is a monumental financial decision that goes far beyond just locking in an interest rate. Whether you are purchasing your first home, transitioning to a new property, refinancing, investing, or navigating complex income scenarios—such as self-employment or credit rebuilding—Hany applies the persistence, creativity, and market knowledge necessary to secure financing solutions that many believe are unattainable.
- Honest Advice
- Fast Communication
- Competitive Solutions
- Professional Guidance
Mortgage Services
BUYING PROPERTY
First-Time Buyers
Empowering new homeowners to navigate the market with ease, ensuring you secure the right mortgage with complete confidence.
Experienced Home Buyers
Providing sophisticated mortgage strategies tailored for growing families and those moving up the property ladder.
Cottage & Vacation Homes
Unlock your dream getaway with versatile financing options designed for secondary residences, cottages, and vacation retreats across the country.
Investment Properties
Expert mortgage planning for investors, focusing on strategies to grow your real estate portfolio and maximize your returns.
New Construction
Specialized funding solutions crafted for modern builds, whether you are breaking ground or purchasing a brand-new home.
Multi-Residential
Dedicated financing support for duplexes, triplexes, and larger multi-unit residential properties to help stabilize and expand your holdings.
REFINANCE & RENEW
Debt Consolidation
Streamline your finances by rolling high-interest obligations into a single, manageable mortgage payment with better terms.
Home Improvement
Utilize the equity in your home to fund renovations, modern upgrades, or essential repairs to enhance your property’s value.
Release Of Equity
Gain access to the capital tied up in your home, empowering you to fund personal financial goals, large purchases, or future investments.
Lines Of Credit
Benefit from adaptable borrowing solutions that offer convenient, ongoing access to the available equity in your property.
Renewals & Transfers
Proactively manage your mortgage lifecycle by exploring superior rates and more favorable financing terms when it comes time to renew.
Negotiating Rates
Leverage our expertise to advocate on your behalf, ensuring you secure the most competitive mortgage rates and lending opportunities available.
Early Renewal
Assess your current mortgage status before your term expires to identify potential savings opportunities and optimize your long-term financial position.
Alternative & Reverse Mortgage Solutions
Income Issues
We provide customized financing strategies designed to help you secure a mortgage even when your income documentation is irregular, seasonal, or complex.
Self-Employed
Leverage specialized loan programs built specifically for entrepreneurs, freelancers, and business owners to help you qualify for the financing you deserve.
Private Mortgages
When traditional banking channels are unavailable, we connect you with alternative lending solutions to ensure your real estate goals remain within reach.
Second Mortgages
Unlock the hidden potential of your property by tapping into your home equity to gain extra financial breathing room and support your lifestyle.
Commercial & Leasing
Benefit from expert guidance and strategic financing solutions tailored to commercial property acquisitions, business ventures, and industrial leasing needs.
Reverse Mortgage
Convert your home equity into tax-free cash flow, allowing you to enjoy financial independence and security while remaining comfortably in your own home.
Canadian Mortgage App
Download our Canadian Mortgage App for all your mortgage needs. It’s designed to help you quickly and easily navigate the complexity of mortgages.
- HANY RIZK - Mortgage Broker
- info@mortgagebyhany.com
What Our Clients Say
Frequently Asked Questions
Your borrowing capacity is determined by several factors, including your total income, credit history, existing debt obligations, and the size of your down payment. We work closely with you to analyze your unique financial situation and identify the mortgage options that best align with your goals.
Absolutely. We specialize in working with entrepreneurs and freelancers. Because self-employed income can be more complex to document, we utilize specialized lending programs designed to help you qualify based on your actual financial strength.
A pre-approval is an initial assessment that tells you how much you can likely borrow, giving you a clear budget to shop with confidence. A final approval is the formal commitment from a lender after you have signed an agreement of purchase and sale for a specific property and all conditions have been met.
Yes, refinancing is a highly effective strategy for debt management. By tapping into your home equity, you can often pay off high-interest debts—such as credit cards or personal loans—and fold them into a single, lower-interest mortgage payment, significantly improving your monthly cash flow.
